Capabilities
Integrations & Compliance
Core banking integration, payment network connectivity, third-party integrations, security standards, and regional regulatory compliance.
| Operation | Description |
|---|
| Balance Inquiry | Real-time account balance verification |
| Debit Posting | Immediate debit on transaction authorization |
| Credit Posting | Refunds and reversals |
| Account Validation | Verify account exists and is active |
| Account Holder Info | Fetch customer details from CBS |
| Multi-Account | Link multiple accounts (savings, current, OD) to one card |
| Platform | Status |
|---|
| Finacle | Production-ready |
| FlexCube | Production-ready |
| M2P CBS | Production-ready |
| Custom CBS | Adapter framework for rapid integration |
Real-time CBS calls for every transaction. Recommended for balance checks and posting. Ensures zero batch lag.
End-of-day batch files for reconciliation and reporting. Used alongside synchronous mode for settlement and audit.
| Protocol | Use Case |
|---|
| REST API | Standard modern integration (most common) |
| SOAP | Legacy CBS systems with SOAP endpoints |
| Message Queue | Kafka/MQ-based event-driven flows |
- Visa, Mastercard, RuPay integration
- Authorization routing by network
- Settlement file processing
- Chargeback handling
- Network token services (VTS, MDES)
| Category | Examples |
|---|
| Notifications | SMS, Email, Push Notification, WhatsApp |
| Delivery / Logistics | Courier tracking, delivery status, address verification |
| KYC / AML | Identity verification, document verification |
| Payment Aggregators | UPI, IMPS, NEFT, RTGS, BBPS |
| Standard | Coverage |
|---|
| PCI-DSS | Level 1 path — cardholder data protection, secure network, access controls |
| Data Protection | Encryption at rest (AES-256) and in transit (TLS 1.2+) |
| Data Masking | Card numbers, PINs, and sensitive fields masked in logs and UI |
| Data Localization | India (RBI) and GCC data residency compliance |
| Audit Trails | Tamper-proof logging of all operations |
| Region | Requirements Covered |
|---|
| India (RBI) | Card issuance guidelines, card-on-file tokenization, data localization, AML/KYC |
| GCC | Islamic banking configuration, CBUAE/SAMA reporting templates |
| Network Rules | Visa, Mastercard, and RuPay scheme compliance |
- Complete transaction and configuration audit logs
- User activity and data access logging
- Regulatory report generation
- Internal and third-party audit support
- Data retention policies
